Personal Guarantee Insurance
Protect your personal assets when you guarantee a business loan. If the business can’t repay, Ink’s insurance is designed to help cover what you could owe personally.
Starting with SBA 7(a) borrowers.
Already working with a lender? Get a quote →
If the business fails, the loan doesn’t disappear.
When you personally guarantee a business loan, you’re responsible for what the business can’t repay. That can put your savings, investments and home equity at risk.
| Outstanding loan | $2,000,000 |
|---|---|
| Business assets recovered by the lender | −$500,000 |
| What you could still owe personally | $1,500,000 |
Hypothetical figures for illustration. Actual recoveries, balances and outcomes vary by loan.
That remaining $1.5 million is the part Ink is designed to cover.
You choose how much of it to cover. Your numbers will differ, so the calculator walks through your loan, a recovery estimate, your personal balance sheet and your state, and shows your estimated exposure range.
Protection that fits your loan.
Insurance for the personal guarantee on your business loan. Not the business’s property or equipment. Not a workaround for the lender.
Protect your personal finances
Coverage is designed around the personal guarantee you sign, so that eligible losses can be covered if the business can’t repay. Your guarantee stays in place; the insurance sits alongside it.
Choose your coverage
Select the amount of protection that makes sense for your loan, business and financial situation. Up to 85% of the loan and up to $5 million in policy limit, subject to underwriting.
Work around your closing
Use much of the same information you’ve already prepared for your lender. You can apply once your loan is approved, or within 30 days after closing.
Getting covered is straightforward.
Ink moves in parallel with your loan. Apply once your lender has approved the loan, or within 30 days after you close. Closed earlier? Ask us. Exceptions are considered case by case.
Tell us about your loan
Share your deal details and lender information. Most of it is already in your loan package.
Review your options
We evaluate eligibility and, if approved, provide a personalized quote with your coverage choices.
Decide what’s right for you
Review the coverage and price before deciding whether to proceed. No obligation.
Insurance backed by financial strength.
Ink specializes in personal guarantee insurance for business borrowers. Coverage is supported by an insurance carrier rated A (Excellent) by A.M. Best. The issuing carrier is identified in your quote.
- Carrier rated A (Excellent) by A.M. Best
- Licensed insurance producer
- Available in 43 states + DC
Coverage is subject to underwriting, state availability, exclusions, deductibles, limits and final policy terms.
Questions buyers ask first.
The short answers. The Questions page has the long ones.
Ink offers insurance designed to cover eligible losses from the personal guarantee on your business loan if the business cannot repay. Coverage applies according to your policy terms, including your selected coverage amount and deductible.
No. Your guarantee remains in place. Ink is separate, borrower-side insurance designed to help with covered losses. It does not modify the guarantee, replace lender underwriting, change collateral requirements or act as credit enhancement.
Pricing depends on your loan, business and coverage choices. We provide your available options and price after underwriting, before you decide.
Once your lender has approved the loan, or your loan terms are far enough along, and generally up to 30 days after closing. Loans that closed earlier may be considered by exception.
Borrowers who personally guarantee a business loan, starting with SBA 7(a) borrowers, in the 43 states and Washington, DC where Ink is available. Eligibility is subject to underwriting and policy terms. See the eligibility details →
Build what’s next. Protect what you’ve already built.
Learn how to think about the personal guarantee before you sign, when to apply, and when Ink reaches a new state.
Ready to apply? Get a quote →